Supplemental Security Income (SSI):
This is a needs based program for children and adults who are disabled. This benefit comes with Medicaid insurance right after being approved. This is a State funded program that is for those who have not worked, and cannot work. The benefit maximum for this program is $674.00 per month currently. This program is also for the indigent population that has no income, resources, and assets. It is used at times for “emergency” relief income for when a claimant has been approved and at that same time has no income to support themselves. It has very strict rules regarding income, living arrangements, and resources. You can work under this program while receiving this benefit, after being awarded, but very little. If you are an adult receiving this benefit and have minor children who are unmarried these children do not qualify for a disability benefit under SSI rules. You are subject to a medical review to see if this disability program should continue once you are first awarded after 3-5 years in most cases.
Retirement, Survivors, and Disability Insurance (SSDI):
This is an entitlement benefits if found medically disabled and unable to work both your past jobs and any other less demanding work. This benefit comes with Medicare insurance starting two years after your benefit goes into pay. The benefit amount for this program is based your past earnings where you paid in FICA (Social Security) taxes. This program allows you to earn money after you are awarded by means of working, up to $1000.00 a month gross and still receive your full monthly benefit. This benefit allows your spouse to continue to work making an unlimited amount of income and also allows you to receive a benefit that is considered unearned (non-work related) income without affecting your monthly SSDI check. Also, if you are a disabled parent, receiving this benefit, your children under the age of 18 and unmarried, may be able to receive an additional benefit based on your disability amount regardless if you are the custodial parent or not. You are subject to a medical review to see if this disability program should continue once you are first awarded after 5-7 years in most cases.